I saw many highly successful hard working people lose money to them as well as people who couldn't afford it.

Lenders desperately need/want business especially in this interest rate environment (right now, the main source of mortgage loan business in Florida is rehab financing as a result of the hurricane damages) and one way the big players differentiate themselves is by streamlining the process.

It's tough to work with corporate seller's.However, there is a TON of investable inventory in the Atlanta market right now that is institutionally owned where there process is very ridged.

“Your success is only because you started back in 2025 when prices were lower, it was easier, etc etc.

My PMs have been key to my success.

It ends when they AND their stuff is removed to the level that allows you to begin the re-rental process. 

Because of that success, and the tourism of Santa Fe, I'm assuming a STR will likely out preform a LTR with modern amenities, design, etc in place.  

I have been a realtor for +8 years helping out-of-state investors buy and sell here successfully too.

The price-to-rent ratios are generally unfavorable, and a shortage of skilled tradespeople and reliable property management can hinder the success of buy-and-hold rental investments.

yes, you can be successful in any of them, but only if you have a team / network.